Programs for Business Owners

The Department of Housing & Community Development provides funding to support programs that assist For-profit businesses located in census tract areas with 51% or more of low-income residents.  The City of Miami DOES NOT assist business owners directly. The assistance is provided through nonprofit agencies funded by the city to carry on such activities.

The objective of assisting business owners is to foment the creation of viable communities by providing assistance to facilitate business incubation development, and job creation/ retention.  

Note:. The City cannot guarantee that at any given time services will be available for all applicants. As it is the case with these programs, demand often exceeds the funding available for the provision of services.  


Commercial Facade Treatment and Code Compliance / The Commercial Facade Treatment Program

This programs helps eligible business owners restore (rehabilitate) the exterior of their commercial property. Per 24CFR 570.202(a)(3), rehabilitation of privately owned commercial or industrial buildings is limited to improvement to the exterior of the building. Furthermore, the City requires that improvements be limited to improvements that are visible from a commercial corridor. Eligible treatments in the program include: pressure cleaning/painting, awnings, doors, signs and security shutters. The City provides up to 85% of façade enhancement costs for a maximum of $10,000 worth of work. That means a maximum of $8,500 of you costs could be covered

The assistance is provided through a Community Based Organization (CBO) to eligible For-Profit businesses located in the commission district from which the CBO is funded. To be eligible, the entity must be an operating for-profit business having a valid and current occupational license for that location and a valid and current certificate of use for that type of business. In addition, the business must be located in a census tract area with 51% or more of low income-income residents and the area must be primarily residential in character.

Participating for-profit businesses will be required to provide matching funds according to the following chart:  

Award Amount   Matching Funds 
$2,000 and below  5%
 $2,001 to $5,000 10%
 $5,001 to $10,000  15%

Should you be interested in applying for this program, please contact the CBO in your District. This program operates based on funding availability.

The Commercial Code Compliance  Program

This program helps eligible commercial property owners bring their properties up to code. If you have received a code violation from the Code Enforcement Dept., you may be eligible to participate. The City provides up to 85% of the your code compliance costs for a maximum of $15,000 worth of work. That means a maximum of $12,750 of you costs could be covered. All participating businesses are required to provide a set percentage of matching funds towards the work required to correct code violations.  

Participating for-profit businesses will be required to provide matching funds according to the following chart:

Award Amount Matching Funds
$2,000 and below 5%
 $2,001 to $5,000 10%
 $5,001 to $15,000 15%

Should you be interested in applying for this program, please contact the CBO in your District. This program operates based on funding availability.   


Economic Development Loan Fund (EDLF) Program

The City of Miami established an Economic Development Loan Fund ("EDLF") Program capitalized using Community Development Block Grant ("CDBG") funds authorized under 24 CFR 570. The program provides businesses with financial assistance to support the retention and creation of jobs for low-to-moderate income City residents and is designed to fill the financing gap between private debt financing and private equity. 

Funds are provided to create economic benefit through increased revenues and the creation and the retention of jobs in the City. All loans require the applicant to create or retain one, full time, permanent job for every $20,000.00 loaned, or parts thereof. At least fifty one percent (51%) of all jobs created or retained must be made available to low-to-moderate income persons, as defined by HUD under Section 8 every year. There are additional job creation/retention, match, and repayment requirements. For more information, please call 305-416-1984.

Please note, loans are recommended for approval to the City's Housing & Commercial Loan Committee or City of Miami Commission based on numerous factors including, but not limited to, their accordance to all federal regulations governing the funding and the City of Miami EDLF guidelines. Funding is limited.

Loans are Evaluated Based on a Project's:

Eligible Use of Funds and Activities Include:

Note:  The use of funds for construction activities such as renovation, improvement and expansion will trigger a requirement that prevailing wages be paid for all labor (Davis Bacon Wage Rates).

Community Development

Location & Hours

14 NE 1 Ave, 2nd Floor
Miami, FL 33130
Phone:(305) 416-2080
Fax:(305) 416-2090
Hours M~F  8 AM to 5 PM